Compare And Find The Best Travel Insurance For Hong Kong

Hong Kong offers travellers an array of experiences, from exploring the iconic Victoria Harbour, to hiking in lush mountain trails and experiencing the nighttime neon glow of Mong Kok. Given the city's varied attractions and the potential for unexpected challenges, it’s important to buy the right travel insurance for your activities, so that you can enjoy all that Hong Kong has to offer with complete peace of mind.

In this guide, we will compare and discuss the best travel insurance options available for Hong Kong, helping you make an informed choice based on coverage, benefits, and your budget.

Overview Of Travel Insurance Plans For Hong Kong

When planning your trip to Hong Kong, choosing the right travel insurance plan is as important as plotting your itinerary. The market offers various plans that cater to different needs, from basic coverage for short visits to comprehensive policies for extended stays. Below, we help you see all your options, exploring protection for medical emergencies, trip cancellations, or unexpected flight delays so you can choose a policy that best matches your travel needs and budget.

Comparing Hong Kong Travel Insurance Plans

Travel insurance to Hong Kong (HK) comes in various forms. From the best value plan to the highest limits for specific coverage types like medical expenses, trip cancellations, or baggage loss, find one that meets your travel goals at a glance. 

All figures based on single trip travel insurance, 5D4N in Hong Kong for 1 adult

The Best Travel Insurance Plans for Hong Kong

When searching for the best overall travel insurance for Hong Kong, it’s important to consider not only the cost but also the benefits provided. The following recommendations balance affordability with comprehensive coverage, ensuring that travellers receive excellent value for their budget.

FWD Premium

FWD Premium is one of the most comprehensive travel insurance plans for Hong Kong you can buy online. It has superb value for money in terms of coverage to cost.

Total Medical Coverage: Up to $200,000 in overseas medical expenses and $6,000 in local medical expenses. Also included: Overseas medical expenses under pre-existing conditions and emergency dental expenses.

Hospitalisation Coverage: Overseas hospitalisation allowance of up to $5,000 and Singapore hospitalisation allowance of up to $1,000.

Travel Cancellation: Up to $7,500 for trip cancellation, as well as coverage for other travel inconveniences such as delays, postponements, disruptions, missed flight connections, and more. 

Loss/Damage of Baggage: Up to $300 for loss of travel documents, personal money or credit card. Up to $150 for baggage delay and up to $3,000 for loss of baggage.

COVID-19 Coverage: Coverage for COVID-19 is available as an optional add-on. This includes up to $200,000 for medical expenses incurred overseas due to COVID-19, and up to $5,000 for trip cancellation due to COVID-19.

Singlife Travel Lite

Singlife Travel Lite offers a robust base travel insurance plan for Hong Kong, with optional add-ons for golfers including loss of golfing equipment, unused green fees, or damage to buggy. 

Total Medical Coverage: Up to $250,000 in overseas medical expenses and $10,000 in local medical expenses. Also included: Overseas maternity care and emergency dental coverage.

Hospitalisation Coverage: Overseas hospitalisation allowance of up to $10,000 and Singapore hospitalisation allowance of up to $600.

Travel Cancellation: Up to $5,000 for trip cancellation, as well as coverage for other travel inconveniences such as delays, postponements, and disruptions. 

Loss/Damage of Baggage: Up to $3,000 for loss of travel documents. Up to $500 for baggage delay and up to $3,000 for loss of baggage.

COVID-19 Coverage: Up to $500 for trip cancellation or travel postponement due to COVID-19. Up to $50,000 for COVID-19 medical expenses.

MSIG Standard Plan

The MSIG Standard Plan is a versatile Hong Kong travel insurance plan tailored for families and large groups, providing wide-ranging and high-value medical coverage to ensure peace of mind.

Total Medical Coverage: Up to $250,000 in overseas medical expenses and $25,000 in local medical expenses. Also included: Coverage for emergency dental expenses up to $5,000.

Hospitalisation Coverage: Overseas hospitalisation allowance of up to $20,000 and Singapore hospitalisation allowance of up to $500.

Travel Cancellation: Up to $5,000 for trip cancellation, as well as coverage for other travel inconveniences such as delays, postponements, disruption, replacement of traveller, missed connections, and more.

Loss/Damage of Baggage: Up to $2,000 for loss of travel documents. Up to $600 for baggage delay and up to $3,000 for loss of baggage.

COVID-19 Coverage: Up to $3,000 for trip cancellation due to COVID-19 and up to $75,000 for COVID-19 medical expenses. Coverage also includes: travel postponement or replacement of traveller due to COVID-19, with family cover options included. 

Comparing Hong Kong Travel Insurance Coverage

Choosing to buy travel insurance to Hong Kong online? In this section, we've laid out a comparison of travel insurance offerings from various providers, giving you a clear view of what’s available for your Hong Kong trip. This will help you discern which policies offer the best coverage and price.

All figures based on single trip travel insurance, 5D4N in Hong Kong for 1 adult. When presented with multiple policy tiers, we selected the middle tier.

Why Get Travel Insurance When Travelling to Hong Kong?

When planning a trip to Hong Kong, it’s wise to consider travel insurance that addresses your activities and HK's specific challenges, such as disaster-related coverage during the typhoon season. For instance, if you're planning to visit theme parks or go hiking, ensure your policy includes adventure coverage. Similarly, consider medical coverage for unexpected issues like food poisoning if you’re a foodie planning to check out street food stalls. This will ensure your trip is not marred by unfortunate circumstances but also covers typical travel concerns such as medical emergencies, cancellations, delays or lost luggage. 

Hong Kong Region-specific Travel Insurance Advice

When travelling to Hong Kong, tailoring your travel insurance to fit the specific region you'll be visiting can greatly enhance your safety and peace of mind. Different areas offer unique experiences and potential risks, making it essential to adjust your coverage accordingly.

• Central and Western District: For family members or spouses accompanying a business traveller to Hong Kong's financial hub, flexibility and comprehensive coverage are key. The details for business trips can change frequently, so prioritise travel insurance plans with "cancel for any reason" coverage to accommodate any last-minute changes. Following this, you can look for coverage that is aligned with what you plan to do throughout the stay, such as protection for personal belongings if you will be out shopping. 
• Lantau Island: Known for its natural landscapes and attractions like Disneyland and the Ngong Ping 360 cable car, Hong Kong’s Lantau Island is a hub for adventure and leisure travel. Ensure your travel insurance includes coverage for activities such as hiking and exploring theme parks. Look for plans that offer comprehensive medical and accident coverage, as well as provisions for emergency evacuations.
• Kowloon: A bustling mixture of traditional markets and modern shops, Kowloon is perfect for personal travel. Insurance here should include robust medical coverage to handle potential food and water-related illnesses, as well as coverage for theft or loss of personal belongings amidst the busy shopping districts.

How to Choose the Best Travel Insurance Policy for Hong Kong?

It can be overwhelming to choose a travel insurance plan for your trip to Hong Kong, even with the number of online comparison tools out there. Not to worry, here are five key pointers to keep in mind if you’re looking to buy a policy: 

1. Evaluate the Coverage Level: Look beyond the price and assess the benefits each plan offers. Your travel insurance should provide comprehensive coverage for medical expenses, trip cancellations, flight delays, and baggage issues, all of which are typical travel concerns regardless of country.
2. Coverage for Pre-existing Medical Conditions: If you have pre-existing health conditions, choose a policy that covers these specifically. This is important as unexpected health issues can exacerbate existing conditions, potentially turning a minor issue into a severe emergency.
3. Compare Policy Premiums: Travel insurance costs can vary based on your stay duration and the specifics of your destination. Many insurance providers offer different premium tiers, comparing these can help you find a plan that offers the best value for your needs.
4. Special Activity Coverage: If your trip to Hong Kong includes special activities like hiking in Dragon’s Back or exploring remote islands, you may need to consider add-on coverage if your base policy does not cover such adventures. This is especially important if your itinerary consists of activities that carry higher risks.
5. Consider Coverage for Trip Interruptions and Belongings: Hong Kong's weather can be unpredictable, with occasional typhoons. Ensure your travel insurance covers trip interruptions and personal belongings against theft or damage, which are crucial in a bustling metropolis.
6. Use an Insurance Comparison Tool: With so many options available, a comparison tool is the best way to help you filter and find the best plan for your next trip to Hong Kong. SingSaver’s travel insurance comparison tool will allow you to compare different plans side-by-side, with useful filter options for all the factors above, so you can find the most comprehensive coverage at the best price.

Travel Safety Tips for Hong Kong

Travelling to Hong Kong is an exhilarating experience, offering everything from world-class cuisine to stunning landscapes. To ensure a safe and enjoyable trip, consider these practical safety tips:

• Stay Informed About Weather: Hong Kong's weather can change rapidly, especially during typhoon season from May to November. Stay updated on weather forecasts and heed any local advisories to avoid outdoor activities during severe conditions.
• Secure Your Belongings: Like any major city, Hong Kong has areas with higher risks of petty theft. Always secure your valuables and be mindful of your belongings, especially in crowded places such as markets, MTR stations, and tourist attractions.
• Use Reputable Transportation: While Hong Kong’s public transport system is highly efficient and safe, always use reputable transport services, especially for late-night travel. Avoid unmarked taxis and always check that the taxi metre is running.
• Follow Local Laws and Customs: Be aware of and respectful towards local laws and customs. For instance, smoking in certain public areas is banned, and fines can be hefty.
• Health Precautions: With the bustling culinary scene, it’s tempting to dive into street food. However, ensure what you consume is from reputable vendors to avoid food-related illnesses. Additionally, keep a basic first aid kit and a list of local emergency contacts handy.

Looking for more travel tips? Check out our checklist of what to pack for your overseas trip.

FAQs for Travelling to Hong Kong

Do I need COVID-19 coverage if I travel to Hong Kong?

While COVID-19 coverage is not strictly necessary for travel to Hong Kong, it is highly recommended for greater peace of mind. You might want to buy travel insurance with COVID-19 coverage to help manage potential medical expenses and unforeseen disruptions related to COVID-19 for a more secure and worry-free travel experience.

Does the cost of the premium change across various Hong Kong regions?

No, the cost of travel insurance premiums generally remains consistent across different regions of Hong Kong.

Will there be a penalty if I were to cancel my travel insurance policy?

You may incur a penalty or be unable to receive a refund if you cancel your travel insurance policy. Before purchasing travel insurance for Hong Kong, always check the cancellation policy and understand the terms set by the insurer.

Can I buy travel insurance after I’ve entered Hong Kong?

Some insurers may allow you to purchase travel insurance after arriving in Hong Kong. However, it is typically more costly compared to buying in advance. To ensure full coverage from the start of your journey and to potentially save on costs, it is best to secure your travel insurance before your trip.

What are the travel requirements to enter Hong Kong?

Travel requirements for Hong Kong typically include a valid passport, possibly a visa depending on your country of origin, and adherence to any health regulations like proof of vaccination or negative COVID-19 tests.

What are the top 10 things to do in Hong Kong?

Here are some of the top recommended activities to do in Hong Kong:

1. Visit Victoria Peak
2. Explore Hong Kong Disneyland
3. Shop at Temple Street Night Market
4. Board the Star Ferry
5. Hike up Dragon’s Back
6. Explore Lantau Island
7. Visit the Big Buddha
8. Experience nightlife at Lan Kwai Fong
9. Eat at a Dai Pai Dong
10. Explore the Museums